Is water damage to laminate covered?
It is very annoying when your laminate has suffered water damage. The damage can be caused, for example, by a burst pipe or by rainwater that has run inside. Of course you then wonder whether your insurer will pay for the damage to your laminate. Initially, the insurer will conduct an investigation. Based on the results of that investigation, the insurer will make a decision on compensation.
Always try to take pictures of the damage. This will help your insurance company properly assess the extent of the damage. In addition, make sure the water is removed from your home as soon as possible.
In special cases, the insurer may send an expert to your home. The expert will investigate the damage and prepare a report. If you are not compensated for damages, it is always advisable to hire an independent surveyor.
When is water damage to laminate covered?
Initially, water damage is covered by your contents insurance. This includes damage in the following cases:
- frozen/frozen pipes
- unforeseen circumstances
- heavy precipitation
- leaking roof
By contingency, insurers mean cases where no overdue maintenance has been identified. This is true, for example, of sewage running up through the toilet or a leaking washing machine (which has been properly maintained).
In the above cases, chances are that you will be reimbursed for the damage. However, you should always read the terms and conditions of your insurance. What you will be reimbursed may vary from one insurer to another.
Be sure to report the damage to your insurer as soon as possible. The sooner you report the damage, the better your chances of receiving compensation.
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In what cases is water damage to laminate not covered?
There are some cases when water damage to your laminate is not covered. In the cases below, you will not be paid for the damage:
- Own fault. Insurers mean by own fault: damage caused by overdue maintenance and damage caused by negligence.
- Overdue maintenance. Often damage is caused by overdue maintenance. So it is advisable to periodically check for damage. After all, not checked; is not maintained.
- Negligence. Did you accidentally leave the window open during a violent storm? Unfortunately, if so, your insurance company is not going to reimburse you for the water damage. Make sure you always close all windows properly.
- Floods/natural disasters. Damages from natural disasters are never reimbursed by an insurer. Do you still want to appeal for these damages? Then you can go to the Damage Compensation Act of the government.
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